The way to build good credit is to either to never use it or pay things off a few days after you use it - if you even miss one payment , your credit is like near impossible to fix.

Think of it like azzhoes on jsp - if you ever do or say one thing they dont like - they will label you a complete jerk for the next 10 years.

Sounds like somebody who's never looked at a credit report.

Your income to debt ratio, flat income, and length of holding accounts in good standing is much more important than a few late payments. Most of the time they don't even report you to credit bureaus on months you made a late payment. I think for most accounts there's a law where they can't negatively report if you they are making interest off the account.

Once I get my credit card and car payed off I'm going to go bananas on a battlestation to keep myself in debt other than student debt.



Gonna be a few years though.

I have great credit - because I also pay off my cards every month - yes there are worse thing you can do for good credit - but assuming just because I didn't say everything that affects a credit rating must mean I dont understand those reason is just your ignorant assessment to play into the fake reality that your avatar has some kind of intelligence.

You said missing one payment makes your credit near impossible to fix. That's wrong, it's really a minor factor and there are at least half a dozen that are more important to having good credit.

I said "your credit is like near impossible to fix." which just means it's hard - i didn't say its impossible - you have the understanding of a sex offender trying to hide the child he abducted.

It's not hard though. Usually you don't have to do anything because it isn't even reported to the credit bureaus.

Seriously though, I'd like to study your brain. I find the effects of oxygen deprivation during birth fascinating.

Lol



PERO LOL

This post was edited by LordSinfriends on Jul 7 2016 06:46pm

kinda l8 mate